xPortal Card vs Crypto.com Card

Side-by-side comparison of 2 crypto debit cards

	xPortal Card 3.0/5 self_custodialmastercard	Crypto.com Card 4.0/5 self_custodialboth
Rating
Overall	3.0/5	4.0/5
Fees
Monthly Fee	See card_tiers	No annual fees for base tier
Issuance Fee	See card_tiers	See card_tiers - varies by tier and region
Rewards
Max Cashback	5%	8%
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	True non-custodial approach for crypto assets (user controls private keys) Integration with broader MultiversX ecosystem (staking, DeFi, NFTs) No monthly fees for base tier (Fresh Mint) Competitive cashback rates at higher staking levels (up to 5% planned)	Generous CRO cashback rates (up to 8% on everyday spending for Prime tier) Travel rewards program offering up to 15% back on travel spending No annual fees for base tier Subscription rebates for popular services (Spotify, Netflix, Truth+)
Cons	Limited geographic availability (EEA only) Minimal to no rewards without significant token staking ~1% crypto-to-fiat conversion fee plus FX fees on transactions Premium tiers with best benefits not yet launched	Substantial CRO token staking requirements for higher tiers (12-month lockup) Exposure to cryptocurrency volatility through staking model Rewards programs have been reduced over time Prepaid product requiring active top-up before spending